ZIP 74820 Foreclosure, Tax-Lien & Distress Report

Pontotoc County, Oklahoma's ZIP 74820 registers 15/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are structural risk (35/100), institutional ownership (19/100), mortgage stress (9/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (82/100), climate & FEMA risk (63/100). Structural risk reads 35/100 against active distress of 3/100.

The peak-phase market in 74820 posted values that rose 2.2% over the year, and 10% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $62,359 — below the roughly $78,000 national figure. Educational attainment sits at 31% bachelor's-or-above. Population is roughly 31,679 with a median age of 37. DLRadar's demographic-stress index for the area reads 28/100. Around 28% of renters are cost-burdened. The ZIP holds roughly 14,552 housing units. The poverty rate is 11.9%. Vacancy runs 13.7%, above the national norm and a classic distress-and-opportunity signal. A median home runs $181,400 here, or 2.9 times local income. 63% of housing is owner-occupied.

Taken together, 74820 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 74820 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 74820's 15/100 can be lined up against any neighbor in Pontotoc County, Oklahoma or any ZIP coast to coast. Where the public record is thin for 74820, the field stays empty rather than modeled, and fills in as new documents post.

The 15/100 for 74820 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 74820 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.